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All About Love
February the 14th is a day dedicated to love. We asked our ezine readers to submit their thoughts and favorite quotes about love and we received so many replies, we’re still trying to read them all. Thank you for your submissions! Love comes in...
An Unexpected Letter
It was a couple of weeks after Christmas, and I was standing by my mailbox in the vestibule of the apartment building where I lived in Lexington, Kentucky, holding a letter I had just received. The handwriting was not familiar and neither was the...
Are You Prepared?
Neighborhood Preparation
NOW is the time to share this information with every neighbor and form a neighborhood group that can help each other. Anarchy and riots could break out and law enforcement agencies may be operating sporadically if at all...
Lifecare Communities’ Commitment To Quality
Too often the term “Nursing Home” is associated with poor care and poor conditions. That’s a shame and a concern because Nursing Homes are among the most regulated of services, and hundreds of thousands of people across the country spend their work...
Long Distance Caregiving for a Loved One is Particularly Difficult
Use this article freely in print or electronic media, but please use author’s byline and let me know where and how it is used.
Long Distance Caregiving for a Loved One is Particularly Difficult
The phone rang at 5 a.m. John was sure it...
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How Will You Pay For Skilled Rehabilitation In The Nursing Home
One of the most frustrating events for individuals facing rehabilitation is thinking that their insurance is going to pay for everything and finding out that their insurance will not pay for the complete services required for a successful rehabilitation.
Nursing home skilled units want to be assured that the necessary steps will be taken to assure that they will be paid. Nursing homes are most familiar with Original Medicare, Medicare Advantage Plans, Medicare Managed Care Plans, Medicare Preferred Provider Organization Plans, Medicare Private Fee-for-Service Plans, Medicare Specialty Plans, federal employee health program, military health program and railroad retirement programs. If your patient has one of these, they will be highly considered once that payer source is verified.
Medicare Part A is the primary source of insurance that will pay for a skilled nursing home stay. Medicare pays 100% of day 1 through day 20 and from day 21 up to day 100 Medicare will pay everything less $114.00 per day co-pay as long as the resident is making progress towards their rehabilitation goals.
If, Medicare is managed through a HMO (Health Management Organization) it usually pays 100% of the rehabilitation stay. The HMO determines the length of stay by the assessments provided to them by the nursing home rehabilitation staff and the level of independence required where the resident will reside after their rehabilitation stay. The HMO utilizes a Nurse Case Manager and a Medical Director who is a physician to make this determination.
Secondary insurances with Medicare Supplemental Coverage will usually pay the $114.00 per day co-pay from day 21 through day 30 up to day 100 depending upon the tier level of the insurance plan and some tiers will some times pay up to 120 days. It is important for you to know what your insurance will cover.
If you have the resources you can of course pay the Medicare $114.00 per day co-pay privately.
Most states offer a Medicaid Program for individuals who meet the financial
eligibility and medical need criteria. Please contact your State’s Department of Human Services Income Support Division (local Medicaid office) to see if you or your loved one meets the criteria for assistance. Most individuals fear that they may loose their home or all of their income and assets if they apply for assistance. There are laws and regulations in each state that provides Medicaid to protect the home or homestead and to protect the spouse from poverty. There are also attorney’s that specialize in Elder Law that can help you protect your income and assets and plan for the transition to State Medicaid Assistance when you or your loved ones resources become exhausted.
Nursing homes generate income from providing rehabilitation services to keep financially afloat. They check to see that they will make a profit from providing the patient the services they need. That means that everything the patient needs in the way of treatments, therapy and medications must be covered by your insurance before they agree to accept a patient from a hospital.
The nursing home will also want to get an understanding of the patient’s cognitive status and psycho/social-well-being to see that they are appropriate for their facility unless they have a contract with the discharging hospital. Keep in mind that not all nursing homes are adapted to serve all types of patients. If you or loved one has some behavioral issues, related to dementia, Alzheimer’s disease or psychiatric problems they may not be accepted for admission. You may need to find a nursing home that specializes for those types of paient needs.
Understanding your insurance benefits and your needs will get you the services you require for a successful rehabilitation stay.
About the Author
Tammy Gonzales, Life Coach and Advocate to Caregivers, of Revitalife Coaching & Consulting, LLC guides Baby-Boomers and the Sandwich Generation on how to take initiative to manage aging and caregiving before it becomes a crisis. Visit www.caregiverinfonline.com for more information.
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Eldercare Search |
Local information, referral resources, and contact information for state and local agencies, from the United States' Health and Human Services Department. |
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Eldercare Search |
Main Eldercare Image. Clear Image. Medicare Search ... Eldercare Locator Footer. Contact us | Privacy Notice | Accessibility |. Text Size : Small | Medium | ... |
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CareGuide :: |
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Seniors, Caregivers, Elder Care, and Disabilities in Massachusetts ... |
Somerville Cambridge Elder Services (Massachusetts) offers resources, information, advice & services to Seniors, Caregivers & People with Disabilities. |
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san diego eldercare directory |
eldercare.uniontrib.com/ - 1k - Cached - Similar pages |
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Eldercare Services, Elderly Care, Aging Parents, Seniors, Long ... |
An in-depth resource center for elder care topics such as: geriatric care management, home health care options, estate planning, understanding medicare, ... |
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Family Eldercare - Serving older adults, people with disabilities ... |
Austin non-profit organization providing a range of services for older adults, people with disabilities, and their caregivers. |
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Transitions, Inc. Elder Care Consulting |
On-line guide to elder caregiving, opinion column written by an older adult, caregiver's support forum, assessment tools, tips about working with older ... |
www.asktransitions.com |
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Health Care & Elder Care - Resource Center |
Providing articles, information, and financial planning calculators for retirement and elder care. |
www.nolo.com |
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Eldercare Referral Service |
Eldercare Referral Service is a free service offered to seniors or their family members to assist them in locating senior housing. |
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Elder Care Services - Elder Care Of Wisconsin |
Health care coordination and long-term care for older adults. Includes descriptions of programs and services, job opportunities, and ways to help. |
www.elderc.org |
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eldercare website |
Eldercare have been operating a social alarm control centre near Manchester ... In 1998 Eldercare became the first Social Alarm Control Centre to be granted ... |
www.eldercare.co.uk |
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Eldercare Locator |
The National Association of Area Agencies on Aging (n4a) administers the Eldercare Locator in partnership with the National Association of State Units on ... |
www.n4a.org |
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The U.S. Administration on Aging (AoA) |
Eldercare Locator. Search Eldercare Locator Toll Free: 1-800-677-1116. Summit Registration. Register for Summit · New Intensives Added ... |
www.aoa.gov |
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FHA - Eldercare at Home |
From the Foundation for Health in Aging. A twenty eight chapter online resource for families and friends who are caring for older people at home. |
www.healthinaging.org |
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ElderCare New Zealand |
ElderCare is a national network of residential care facilities which offer ... ElderCare… a network of residential care homes and hospitals for older people ... |
www.eldercare.co.nz |
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Eldercare Home Health - All about Elder care in Toronto |
Eldercare Home Health is a Toronto, Ontario Canada based home healthcare provider specializing in Elder Care. Helping seniors stay happy, independent and ... |
www.eldercarehomehealth.com |
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Eldercare |
Phone: (02) 9416 6922 Enquiries: info@eldercare.com.au ... O&P Eldercare is a division of Occasional & Permanent Nannies & Housekeepers (NSW) Pty. Ltd. |
www.eldercare.com.au |
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